what is insurance

All About Driving Licence In India:  It is important that every driver on the road is a pro when it comes to driving. Not only does this ensure safety , but also helps people avoid road accidents and prevent from creating unorganised traffic conditions. Or, at least, we hope it does. This article will tell you all that you need to know driving licence and how to apply for one in India. What Is A Driving Licence? A driving licence is an official document issued by the Government of India permitting individuals to operate or drive cars, motorbikes, trucks, buses, etc., on public roads. It is issued by the Regional Transport Authority (RTA) or Regional Transport Office (RTO) of each state. You must first hold a valid driving licence in India before you take your car, bike, or scooter on around. If you are learning how to drive then you must first apply for a learners� licence. It will act as a provisional licence. Once you learn how to drive, you must take a test before you get your d...

Best Cars For Different Budgets:   Not able to choose the best car within your budget? Here are my top choices in four different budget categories, just for you.   Here�s a quick breakdown of my favourite cars from four different budget categories: Budget � 5 Lakhs Maruti Suzuki Alto Price:  Starts at Rs. 2.67 Lakhs (Ex-showroom Chennai for Alto 800 standard) C�mon, who doesn�t love the Alto? The Maruti Suzuki Alto is for the budget-conscious lot who don�t want to compromise on style and a peppy performance. The design is commendable. The mileage is great � expect between 25 to 33 km from this mini car. And the best part is that it is affordable too. Renault Kwid Price:  Starts at 2.78 Lakhs (Ex-showroom Chennai) Hello, kiddo! This entry-level hatchback is immensely popular in its segment. It�s lightweight; it�s got an SUV-like appearance; it�s got top-class features, and it�s the fastest car in its segment. This little kid has surely found a place in my heart (not y...

Get A Car Loan For A Second-Hand Car:   Wondering whether you can get a Car Loan for a second-hand ride? CEO Adhil Shetty breaks it down for you. However, not everyone can afford the high EMIs and interest rates that come with regular Car Loans. This is exactly why the used car market is constantly on the upswing. If you�re one of those people looking to purchase a used car at an affordable price by taking out a Used Car Loan, then you�ve come to the right place. Used Car Loans - Features and Benefits Immensely Pocket-Friendly-  Explained in simple associative terms, a second-hand car will cost less, thus, the pre-owned car loan financing it will also be a lesser number compared to its new-car alternative. Meaning, smaller monthly instalments to contend with. Less Hassle, More Features-  While most banks feature  used car finance  as an important component in their arsenal of products, the demand for it is naturally second to a new car loan. Thus, these products...

How To Save For Short-term Goals:   It�s good to be ambitious and it�s great to have a fixed set of short-term goals in mind. They help you stay focused and also help establish financial security simultaneously. What�s better than making your dream come true and becoming financially secure at the same time? All set to take over those short-term goals ? Let�s begin! Money lying idle? Put it to use. If you have some free cash lying useless, you better put that to use. This doesn�t mean grabbing notes from the secret pile underneath your mattress. Actually, that too, but you also need to look out for other things that are just blocking your money. Not sure where? Unused gym memberships, guitar classes you never went to and all those unnecessary gadgets you never used are a part of it. If it�s a thing you never used (and most probably won�t use in future either), consider selling it off. Before you come up with new excuses, gym memberships can be sold off too. All set to free some cash...

Drive With These Instant Car Loans:   Looking to buy a car? Check out these hassle-free Car Loan offers with no paperwork that is sure to get your engine purring. A Car Loan will help you turn that dream into a reality. Although most loans require you to submit a bunch of paperwork that makes these loans seem unattractive, there are a few Car Loans that require no paperwork � they�re instant! So, you no longer have to print documents or even stand in long queues at bank counters to submit these documents. Here are a few paperless-approval Car Loan and Used Car Loan offers available : HDFC Bank Car Loan Getting a Car Loan from HDFC bank has many benefits. Interest rates starting from 8.40% and can go up to 10.35%, fixed rate of interest No guarantor required for this loan Avail a top-up loan facility on it Part-payment is available Loan-to-value ratio (LTV) � 100% of the ex-showroom price of the vehicle The processing fee can go up to Rs. 4,720 (one-time fee). T...

Which Car Should Buy-Petrol or Diesel?  Car buyers are often troubled by the thought of which car to opt for � a petrol or diesel. We�ll help you make the choice.  Diesel cars today have made great strides in terms of refinement and cubic capacity (cc). With constant fine-tuning and improvement, diesel cars have become better, more affordable and are proving to be an equal match for their petrol counterparts. So can petrol cars be given a miss nowadays? While there is no simple answer to this debate, the following points can help you reach a decision: 1.        Refinement: This has a lot to do with the car manufacturer. When it comes to the overall refinement of diesel engines vis-�-vis petrol, the former lacks in terms of NVH (Noise Vibration and Harshness) levels. Then again, diesel cars higher up the segment are so refined that one can only hear marginal engine clatter on the outside, while noise inside the cabin is comparable to that of ...

How To Apply For A PAN Card:   Indians use the   Permanent Account Number (PAN) Card  as an identification document for different purposes. Many PAN cardholders neither work nor file tax returns but have the PAN card solely for the purpose of identification. Applying for a PAN card is very simple. You can do it online or via a govt. app. Want to know how? Find out here! Applying For PAN The Income Tax department has simplified the process of applying for a PAN card. While the PAN card could earlier be obtained only through middlemen, who were usually Chartered Accountants, today the PAN card can be easily applied for online. This is an easy and user-friendly process, with clear instructions and guidelines given at every stage. Here are the steps involved in  applying for a PAN card  should you wish to do it online � Visit the website of the Tax Information Network �  https://tin.tin.nsdl.com/pan/ . This is the home page of the Income Tax department and off...